Overview
- Pre‑tax profit rose 17.6% year over year to €344.5 million, with return on equity at 7.8%.
- Gross income increased 3.8% to €1.239 billion and operating income reached €678.5 million, improving the efficiency ratio to 45.3%.
- Credit growth accelerated, with total investment up 10.6% and corporate financing up 17.6%, as managed business volumes reached €109.6 billion and total assets €63.4 billion.
- Asset quality and solvency remained strong, with an NPL ratio of 1.76%, CET1 (phased‑in) at 14.2%, total solvency at 16.4%, excess capital of €930 million, and MREL at 24.4%.
- Liquidity and sustainability metrics were robust, including an LCR of 206.1% and NSFR of 144.4%, alongside ESG recognitions from Sustainalytics and a CDP ‘A’ rating, plus a 2025–2027 eco‑efficiency plan and an updated environmental and social policy.